Short Term Medical
Temporary Health Insurance policies have benefit limits and you'll be required to cover an initial deductible and to make co-payments. You're allowed to pick your own doctors, hospitals, or other health-care providers. Temporary Health Insurance offers coverage for doctors, inpatient and outpatient services, lab work and X rays. No physical exam is required and your temporary health care insurance coverage begins as soon as the insurer receives your application and first premium payment. You will need to answer several limited underwriting questions to qualify.
Reasons for choosing Temporary Health Insurance:
- Between jobs or laid off
- Temporary or seasonal worker
- Self employed or Small business
- Recent college graduate
- Waiting for employer group coverage to begin
Temporary Health Insurance Limitations
Temporary Health Insurance plans normally have a lower level of benefits in comparison to permanent plans such as Major Medical or HMO plans. Temporary Health Insurance usually will not cover treatment of a pre-existing conditions, such as an illness or injury that has produced symptoms or for which you've received previous treatment. Also, our Temporary Health Insurance does not cover routine medical exams, preventive care, optical care, dental care, or pregnancy and childbirth expenses.
These insurance coverage limitations reduce the cost for a Temporary or Short Term Health Insurance policy, thus making it affordable for more people to purchase reliable health insurance coverage for short term needs.